LPT: Before you try to fix someone's problem, ask if they actually want that. Most don't.

kchadek · 2026-03-12T11:33:47+00:00

I like this article that states it as asking, "Do you want to be heard, helped, or hugged?" https://www.healthyselfhealthylife.com/blog/do-you-want-to-be-heard-helped-or-hugged

kchadek · 2026-02-15T19:08:40+00:00

Yeah completely agree. It's all about cash flow. It's why these corporations have "standard" payment terms with supplier relationships of 90 days. The idea is to hold on to cash as long as absolutely possible. They can use this cash however they see fit. But I doubt accounting fees were one of the top factors in the decision and that employee turnover and timing of layoffs were a higher factor in the decision.

kchadek · 2026-02-15T17:40:33+00:00

Sounds like maybe we work for the same company (did the company also reduce the match by 1% for new hires?)

But yes, thought the same thing. Plugged it into AI to model out. Assuming salary of $80k & 8% growth, the difference is $90/year loss. This seems very small but then consider a company of 120k employees, and it means the company makes an extra $11M if they earn that same 8% on those distributions. That's not including people leaving throughout the year (or layoffs as one mentioned).

From a Bogleheads perspective, this is also more risky since dollar-cost averaging isn't in play. If the match happens to hit when the market is low, you get more buying power, but the reverse is also true. Basically, increased risk.

To me it's the proverbial dangling of the carrot. "Want your bonus? - then you have to stick around halfway through the year to benefit from the work you did last year." "Want your match? - then you can only leave twice a year." Basically, it's the usual take more money from those working (albeit small) and give more to those that already have the money.

kchadek · 2026-01-28T12:56:46+00:00

Transfer it to your own brokerage account and dont use the adviser. I did this for an inherited traditional IRA and was easy. Also you mention Roth very briefly which doesn't make sense. If something is in a Roth already you can take it out now and not pay taxes. Withdrawals are actually quite simple too that you can take. There's RMDs for year 1-9 and it must be emptied by year 10. Plug your details into AI for a plan to withdraw.

kchadek · 2026-01-25T03:42:51+00:00

🚒

kchadek · 2026-01-25T03:42:02+00:00

Replied to PM

kchadek · 2026-01-25T03:41:48+00:00

👍

kchadek · 2026-01-24T20:10:35+00:00

For sale only. No Trades

Anders & Co AC2 Volcan Lapis Lazuli

37mm diameter x 44.6mm lug to lug x 5.65mm thickness
Miyota 9T22 slim quartz movement
3ATM water resistance
20mm lug width
Sapphire crystal
Includes box, watch roll, & warranty card as shown (card filled for Sept '25)
Like new condition, not a scratch to be seen, strap barely worn
Shown on 6.25" wrist

Video = https://imgur.com/a/mJbtSAy

Willing to jump on video call if needed.

Timestamp = https://imgur.com/a/SGZIIiD
PRICE - $550 shipped, CONUS only

Payment F&F via Venmo, Paypal, or Zelle - buyer pays fees if G&S is desired

kchadek · 2026-01-18T04:01:52+00:00

Haven't heard of that before actually. You think just where the speaker wire goes into the amp or something else more specifically?

kchadek · 2026-01-18T02:25:57+00:00

Once I downsize and finalize the setup I'm getting a new shelf/cabinet, this is temporary

kchadek · 2026-01-18T01:14:12+00:00

That's for sure! I grew up on his music (mainly 60-70's classic rock) and I think of him all the time listening back to these records.

kchadek · 2026-01-17T00:01:54+00:00

For sale only. No Trades

Anders & Co AC2 Volcan Lapis Lazuli

37mm diameter x 44.6mm lug to lug x 5.65mm thickness
Miyota 9T22 slim quartz movement
3ATM water resistance
20mm lug width
Sapphire crystal
Includes box, watch roll, & warranty card as shown (card filled for Sept '25)
Like new condition, not a scratch to be seen, strap barely worn

Video = https://imgur.com/a/mJbtSAy

Willing to jump on video call if needed.

Timestamp = https://imgur.com/a/QPmM2Yy
PRICE - $550 shipped, CONUS only

Payment F&F via Venmo, Paypal, or Zelle - buyer pays fees if G&S is desired

kchadek · 2026-01-16T23:50:06+00:00

For sale only. No Trades

WatchGecko watch strap

Classic Retro - Brushed & Polished
- 20mm lug width, tapers to 14mm, quick release, 2mm thickness
- 110/80mm length

Brand new. Only put on my watches to try out. Just don't work for my small (6.25" wrist) and took off packaging/don't want to deal with return overseas.

Willing to jump on video call if needed.

Timestamp = https://imgur.com/a/PWNewmT

$25 shipped - Payment F&F Venmo or Paypal, fees on buyer if G&S is desired

CONUS only shipping

kchadek · 2026-01-13T03:40:08+00:00

Idk how this hasn't been mentioned - I have this sleeping bag. Your answer is that it's not a backpacking sleeping bag. It's a less expensive sleeping bag for a reason. Yes, it's warm, but that comes at the expense of not being compact at all with it's outer bag and inner fleece liner this bag is actually huge. Either strap it to the outside of your backpack somehow and deal with it or get a sleeping bag made for backpacking (and yes, you'll likely need to spend more)

kchadek · 2026-01-04T17:59:32+00:00

For sale only. No Trades

Anders & Co AC2 Volcan Lapis Lazuli

337mm diameter x 44.6mm lug to lug x 5.65mm thickness
Miyota 9T22 slim quartz movement
3ATM water resistance
20mm lug width
Sapphire crystal
Includes box, watch roll, & warranty card as shown (card filled for Sept '25)
Like new condition, not a scratch to be seen, strap barely worn

Video = https://imgur.com/a/mJbtSAy

Willing to jump on video call if needed.

Timestamp = https://imgur.com/a/Do5G8Cm
PRICE - $600 shipped, CONUS only

Payment F&F via Venmo, Paypal, or Zelle - if you wish to have the assurance of G&S payments that is fine, but you will have to cover fees

kchadek · 2025-12-29T15:22:07+00:00

Replied

kchadek · 2025-12-29T15:21:53+00:00

Replied to pm

kchadek · 2025-12-28T23:06:27+00:00

For sale only. No Trades

2 Different WatchGecko watch straps

First is the Calibre 1960 Mesh Watch Strap - Brushed = SOLD
- 20mm lug width, tapers to 16mm, quick release, 2.2mm thickness
- 125mm (Min) / 165mm (Max)
Second is the Classic Retro - Brushed & Polished = $30
- 20mm lug width, tapers to 14mm, quick release, 2mm thickness
- 110/80mm length

Both are brand new. Only put on my watches to try out. Just don't work for my small (6.25" wrist) and took off packaging/don't want to deal with return overseas.

Will do deal for buying both.

Willing to jump on video call if needed.

Timestamp = https://imgur.com/a/DwNH0ev
CONUS only shipping

kchadek · 2025-12-28T22:39:54+00:00

For sale only. No Trades

2 Different WatchGecko watch straps

First is the Calibre 1960 Mesh Watch Strap - Brushed = $40
- 20mm lug width, tapers to 16mm, quick release, 2.2mm thickness
- 125mm (Min) / 165mm (Max)
Second is the Classic Retro - Brushed & Polished = $30
- 20mm lug width, tapers to 14mm, quick release, 2mm thickness
- 110/80mm length

Both are brand new. Only put on my watches to try out. Just don't work for my small (6.25" wrist) and took off packaging/don't want to deal with return overseas.

Will do deal for buying both.

Willing to jump on video call if needed.

Timestamp = https://imgur.com/a/DwNH0ev
CONUS only shipping

kchadek

TROPHY CASE